Ashland, WI · Charter 66643
Q2 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | 3.79% | 1.90% | 2.47% | 1.51% | 1.70% | -3.17% | -6.60% | -907 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 7.88% | 7.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 77.60% | 80.04% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | 2.93% | 5.65% | 5.07% | 19.64% | 12.06% | -7.37% | -13.36% | -1,842 bps | |
| Loan Growth (YoY) | 28.18% | -1.24% | -4.16% | -5.27% | -3.47% | -10.56% | -3.85% | -16.53% | -1,126 bps | |
| Share Growth (YoY) | -4.16% | 1.24% | 6.30% | 5.89% | 28.90% | 17.76% | -3.38% | -7.19% | -1,308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.10% | 5.00% | 7.47% | 6.05% | 4.96% | 5.80% | 5.74% | 3.30% | -275 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.30% | 2.25% | 1.11% | 1.16% | 0.00% | 4.20% | 3.64% | +252 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.28% | 111.83% | 101.99% | 99.87% | 86.33% | 84.94% | 101.49% | 89.81% | -1,006 bps | |
| Liquid Assets / Assets | 0.50% | 0.51% | 0.53% | 4.89% | 4.44% | 9.70% | 5.86% | 6.41% | +152 bps | |